I'm sorry, but you signed up for a product without reading the full Terms of Service simply because you talked to the owner? You might want to revise your principles.
Also, just to clarify, as I'm not taking sides here. I've been on the ass-end of Openweb's snarkiness and poor email reading skills myself before, but
Which isn't true. Yes, Keoma should have said they don't do pro-rata for debit orders, but if the OP had actually done his job by reading through the rules and ToS on the site instead of blindly signing up for a product, there wouldn't have been an episode either because the consumer would have have known how the company he is signing a debit order with works.
The ToS is not there as some optional light reading for when the consumer is bored. It's there to tell you what the rules and regulations regarding the service you're signing up for is. Seriously, in this day and age, how the hell do you sign up for something without at least reading the rules? At the risk of sounding insulting, that's the border between 'smart guy' and 'moron'.
Do you also sign contracts without reading through it at all?